Celina Abouzeid is a Series 66 licensed advisor with Merrill in Columbia, MD, where she has worked since 2008, totaling 18 years at the firm and 3 years as a financial advisor. She is a co-owner of a rental property with her husband. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Bernard Richards is a financial advisor at Wells Fargo Clearing with 21 years of industry experience. He holds a Series 66 designation and has previously worked at LPL Financial and M&T Securities. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and combines research from Wells Fargo Investment Institute with third-party analytics to support its investment approach.

Rebecca Yates is a financial advisor at RBC Capital Markets with 17 years of industry experience. She holds a Series 66 designation and has worked at RBC Capital Markets since 2017, following 12 years at Kissinger Financial Services. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers various advisory programs with tailored investment strategies, utilizing both in-house and third-party managers, and provides a range of financial planning, custody, and brokerage services.

Ana Cortez Molina is a financial advisor with Wells Fargo Clearing in Columbia, MD, holding Series 63 and Series 65 licenses. She has experience working at Wells Fargo Bank and Advance Auto Parts, among other roles, with a total industry experience of less than one year. Molina has also been involved in work at Auroras Hair Design and the Pittsburg Institute of Aeronautics. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Justin Policare is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds Series 66 and Series 63 credentials and has previously worked at Raymond James & Associates, Merrill, and PNC Wealth Management. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets through various advisory and brokerage services.

Neil Esterson is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and 11 years of industry experience. He has been with Cambridge Investment Research Advisors since 2016 and is also associated with The Legacy Group, Inc., where he operates as an independent insurance agent. Cambridge Investment Research Advisors serves individual and institutional clients, including pension and charitable organizations, by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs through a network of thousands of financial professionals. The firm manages a multi-billion dollar asset base and provides access to various investment platforms, third-party advisers, and proprietary model strategies.

John Rogers is a financial advisor at LPL Financial with 38 years of industry experience. He holds Series 63 and Series 66 credentials and previously worked for Franklin Templeton Financial Services Corp. and Franklin/Templeton Distributors, Inc. He is also involved in running an investment-related DBA, Teller Rogers Wealth Management. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, combining advisory services with a range of non-advisory financial offerings.

Seth Hammer is a financial advisor at LPL Financial with 20 years of industry experience. He holds a Series 66 designation and has previously worked at Grove Point Investments, Grove Point Advisors, and H. Beck, Inc. In addition to his advisory role, he maintains an active CPA practice and teaches at Towson University. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by extensive operational tools and a large network of over 22,800 advisors.

Rashid Afzal is a financial advisor with Morgan Stanley in Baltimore, MD, holding a Series 66 designation and bringing 25 years of industry experience. His career includes positions at Citigroup Global Markets, Legg Mason Wood Walker, and Merrill before joining Morgan Stanley Smith Barney in 2009. He serves as a board member for Al Rahmah School, a nursery through middle school in Baltimore. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group, managing approximately $2.74 trillion in client assets.

Kristina Jackson is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. Her prior work history includes positions at Bank of America and PayPal. Outside of her advisory role, she provides guest services for sports facilities and events through a for-profit entity in Baltimore. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients via the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Tyler Thomas is a financial advisor with Equitable Advisors in Columbia, MD, holding a Series 66 designation and one year of industry experience. Prior to joining Equitable Advisors, he has experience working in various roles including at Macky's Grill and in educational settings such as Salisbury University and AACPS. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset management programs, utilizing a range of proprietary and third-party advisory models and investment options.

Joseph Juras is a financial advisor at Wells Fargo Clearing with 44 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2016, previously spending seven years at Morgan Stanley DW Inc. He serves as a trustee for an investment-related trust. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients, managing approximately $671 billion in assets with over 14,000 financial advisors.

Liliana Maes is a financial advisor at LPL Financial with 18 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at several firms, including JP Morgan Chase Bank and AXA Advisors. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Ryan Pollard is a financial advisor with LPL Financial in Towson, MD, holding Series 63 and Series 65 licenses and eight years of industry experience. His prior roles include positions at OSAIC, Lincoln Financial Advisors Corporation, Agia, and Valic Financial Advisors. He is also involved in offering fixed and indexed annuities, long-term care insurance, and traditional fixed insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a wide range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Thomas Black is a financial advisor with J.P. Morgan Securities in Baltimore, MD, holding Series 63 and Series 66 licenses and possessing 10 years of industry experience. His prior work includes roles at Brown Advisory Securities LLC and Morgan Stanley Smith Barney LLC. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary written asset allocation advice, investment manager and fund searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research and may include ESG considerations, with implementation supported by affiliated investment-management entities.

James Gibson is a CFP® with 25 years of industry experience and has been with UBS Financial Services since 2010. Based in Baltimore, MD, he holds Series 63 and Series 65 licenses. Outside of his advisory role, he serves as a trustee for a family trust. UBS Financial Services serves individual, corporate, and institutional clients by providing a combination of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor investment strategies.

Laura Van Wagenberg is a financial advisor with Merrill in Baltimore, MD, holding Series 66 and Series 63 licenses and bringing 17 years of industry experience. She has worked at Merrill since 2010 and has been with Bank of America, N.A. since 2011. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jeffrey Ring is a financial advisor with Equitable Advisors in Pikesville, MD, holding Series 63 and Series 65 credentials and 38 years of industry experience. He has been with Equitable Advisors since 1999, previously affiliated with AXA Advisors during a shared period from 1999 to 2020. Outside of his advisory role, he assists with his local condominium association and serves as power of attorney and estate executor for family members. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, plans, corporations, and nonprofit organizations. The firm utilizes a range of advisory programs and third-party asset managers, focusing on matching clients with suitable investment models and discretionary managers.

Nathan Chen is a financial advisor with Wells Fargo Clearing in Columbia, MD, holding a Series 66 designation and three years of industry experience. He has previously worked at JPMorgan Chase Bank, J.P. Morgan Securities, and Raymond James & Associates. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines research and analytics with diversification principles and modern portfolio theory to serve its clients.

Allie Gamble Taylor is a financial advisor at LPL Financial with 17 years of industry experience. She holds a Series 66 designation and has worked at firms including Raymond James Financial Services and Janney Montgomery Scott. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, utilizing both proprietary and third-party investment strategies across various platforms.